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Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification

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Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification


Chibike Onyije Nwuba | Prof Ireneus Chukwudi Nwaizugbo



Chibike Onyije Nwuba | Prof Ireneus Chukwudi Nwaizugbo "Customer Perceived Risk and Adoption of E-Banking Services in Southeast Nigeria: The Moderating Effect of Educational Qualification" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5, August 2021, pp.551-563, URL: https://www.ijtsrd.com/papers/ijtsrd43866.pdf

The study examined the relationship between perceived risk and the adoption of electronic banking in Southeast, Nigeria with the moderating effect of selected Socio-demographics, Specifically, the study addressed the relationship between the seven dimensions of perceived risk (financial, performance, social, physical, privacy, time and psychological risks) and the adoption of electronic banking in the south-eastern region of Nigeria using the moderating effect of educational qualification. The study adopted a descriptive survey research design; questionnaires were employed in collecting primary data while documentary sources were adopted for secondary data. The population of the study was made up of electronic banking users in the five States that make up the south-east region of Nigeria. Since the population is unknown, the Cochran formula for determining sample size for an infinite population was adopted to get the sample size of four hundred and ninety (490) electronic banking adopters. Descriptive statistics were used to check the behaviour of the data. The data from 424 valid responses were analysed and hypotheses tested using the Structural Equation Model (SEM) and with the aid of WarpPLS 6.0 software. Results from the study revealed that perceived risks in its seven dimension examined, has a significant relationship with the adoption of E-banking in Southeast, Nigeria, The results showed that the following risk dimensions were significantly moderated by educational qualification: Financial risk, privacy risk, social risk and Psychological risk, meanwhile, performance, physical and time risk were not moderated by educational qualification thus recommended that Managers of financial institutions should strategically develop plans to reduced or eliminate the risk perceived by customers by organizing educational programs to facilitate the adoption of e-banking services in Nigeria.

Perceived Risk, Electronic banking, Demographics


IJTSRD43866
Volume-5 | Issue-5, August 2021
551-563
IJTSRD | www.ijtsrd.com | E-ISSN 2456-6470
Copyright © 2019 by author(s) and International Journal of Trend in Scientific Research and Development Journal. This is an Open Access article distributed under the terms of the Creative Commons Attribution License (CC BY 4.0) (http://creativecommons.org/licenses/by/4.0)

International Journal of Trend in Scientific Research and Development - IJTSRD having online ISSN 2456-6470. IJTSRD is a leading Open Access, Peer-Reviewed International Journal which provides rapid publication of your research articles and aims to promote the theory and practice along with knowledge sharing between researchers, developers, engineers, students, and practitioners working in and around the world in many areas like Sciences, Technology, Innovation, Engineering, Agriculture, Management and many more and it is recommended by all Universities, review articles and short communications in all subjects. IJTSRD running an International Journal who are proving quality publication of peer reviewed and refereed international journals from diverse fields that emphasizes new research, development and their applications. IJTSRD provides an online access to exchange your research work, technical notes & surveying results among professionals throughout the world in e-journals. IJTSRD is a fastest growing and dynamic professional organization. The aim of this organization is to provide access not only to world class research resources, but through its professionals aim to bring in a significant transformation in the real of open access journals and online publishing.

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